Manipal Cigna LifeTime Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. The plan offers comprehensive coverage up to Rs. 3 crores each, for coverages in India and abroad. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.
The plan covers you at every stage of life for a lifetime. With a wide range of benefits and coverage, the plan is an ideal choice to cover yourself and your family members.
Read along to explore more about this plan:
Minimum Entry Age | Child - 91 days, Adult - 18 years |
Maximum Entry Age | Child - 25 years (in a family floater policy), Adult - 65 years |
Sum Insured | Rs. 50 Lakhs to Rs. 3 Crore |
Policy Tenure | 1, 2 & 3 years |
Relationships Covered | Individual Plan: An Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, the parent in-laws, grandparents and grandchildren, son-in-law and daughter-in-law, uncle, aunt, nephew, and niece |
Floater Plan: A floater plan can cover self, lawfully wedded spouse, children up to the age of 25 years, parents, and parent in-laws. A floater cover can cover a maximum of 2 adults and 3 children under a single policy. Combinations allowed under 2 Adults are Self & Spouse or Father & Mother or Father-in-law & Mother-in-law. |
**Last Updated on March, 2022
The plan looks after the hospitalization expenses of the insured in case of hospitalization more than 24 consecutive hours arising from a disease/ illness or injury.
The plan covers the expenses incurred during the in-patient hospitalization for AYUSH, for an illness or injury that occurs during the policy year.
One may avail a comprehensive health check-up at any of the company's network hospitals if the Insured Person is of age 18 years or above at the start of the policy year.
The plan covers the expenses incurred towards Robotic or Cyberknife Surgery of the insured person subject to the illness/ injury being covered under 'Hospitalisation Expenses'.
The listed modern and Advanced Treatments are covered by the plan, subject to illness/ injury being covered under Hospitalisation Expenses.
In case your coverage is exhausted due to the claims made, then in such cases, the plan will provide for a 100% restoration of the sum insured for any number of times in a policy year for an unrelated illness or injury.
If the insured suffers from Permanent Partial Disablement, Permanent Total Disablement, death due to an injury caused by an accident, or he/she is diagnosed with a listed Critical Illness mentioned in the policy, then the plan will pay the next Renewal Premium of the Policy for next 1 year.
Once the claim is accepted and paid, the cover will terminate automatically.
The plan offers coverage across the globe in case the insured suffers from any illness or injury. The plan offers:
The plan comes with three optional covers that are:
Refer to the below table to understand what is covered under these optional covers:
Health+ | Women+ | Global+ |
Air Ambulance Cover Medical Devices and Non - Medical Items Domestic Second Opinion Bariatric Surgery Cover Convalescence Benefit Major Illness Hospi Cash Chemotherapy and Radiotherapy Cash Accidental Hospi Cash Domestic Concierge Services Tele - Consultations | Breast Cancer Screening Cervical Cancer Screening Cervical Cancer Vaccination Ovarian Cancer Screening Osteoporosis Screening Gynecological Consultation Psychiatric and Psychological Consultations | Global Hospi Cash Global Convalescence Benefit Global Out Patient Expenses Global Chemotherapy and Radiotherapy Cash Travel Expenses Benefit Global Second Opinion |
**Last Updated on March, 2022
One can avail an add-on cover that will cover the expenses if the insured is diagnosed with 11 listed Critical Illnesses Available on payment of additional premium.
To understand how the premium payable under both the variants is different, refer to the below graph, which shows how the premium for the Indian Plan and Global Plan is different under different sum insured options:
Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan
Parameters | Indian Plan | Global Plan |
Hospitalization Expenses | Available | Available |
Day Care Treatment | Available | Available |
Pre - hospitalization | Covered, up to 60 days | |
Post - hospitalization | Covered, up to 180 days | |
Road Ambulance Cover | Available | Available |
Donor Expenses | Available | Available |
Domiciliary Expenses | Available | Available |
Robotic and CyberKnife Surgery | Available | Available |
Modern and Advanced Treatments | Available | Available |
HIV/AIDS and STD Cover | Available | Available |
Mental Care Cover | Available | Available |
Global Hospitalization for Major Illness | Not Available | Available |
Global Pre - hospitalization | Not Available | Available |
Global Post - hospitalization | Not Available | Available |
Global Ambulance Cover | Not Available | Available |
Medical Repatriation | Not Available | Available |
Repatriation of Mortal Remains | Not Available | Available |
Global Travel Vaccination | Not Available | Available |
Global Robotic and CyberKnife Surgery | Not Available | Available |
Global Modern and Advanced Treatments | Not Available | Available |
Optional Covers | ||
Health+ | Available | Available |
Women+ | Available | Available |
Global+ | Not Available | Available |
Add-On Cover | ||
Critical Illness Cover | Available | Available |
Waiting Period | ||
First 30 days waiting period is applicable for all illnesses other than accidents. 24 months waiting period is applicable to specific ailments. Pre-existing diseases will not be covered for 24 months A 90 day waiting period and 30 day survival period is applicable to Critical Illness Add-on cover (if opted |
**Last Updated on March, 2022
You can buy the ManipalCigna LifeTime health plan directly from the company’s official website or you can buy it from PolicyX.com. Below we have shown both the buying process in detail:
Buying through ManipalCigna official website
Buying through PolicyX.com
Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:
Cashless Process
Reimbursement Process
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*Terms and Conditions May Apply
ManipalCigna LifeTime Health plan is available in two variants: Domestic Plan and Global Plan, with sum options of INR 50 lakh, INR 75 lakh, INR 1 crore, INR 1.5 crore, INR 2 crore, and INR 3 crore.
The following are the waiting periods under the policy:
Minimum age at entry: 91 days for Children and 18 years for Adults.
Maximum age at entry: 25 years for children under a floater and 65 for Adults
ManipalCigna LifeTime Health plan can be renewed lifetime and there is no exit age in this policy.
(Showing latest 5 reviews only)
May 26, 2022
Asleen
IndoreMarch 25, 2022
jasvinder singh
Delhivery nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.
February 21, 2022
diya sharma
Chandigarhonly big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full
November 22, 2021
Ramesh Kumar
Hyderabadthey have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement
October 28, 2021
Ravi Rajora
DelhiQuick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.
Last updated on March, 2022
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Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.